International Personal Finance PLC (IPF) — Cash Flow-to-Debt Ratio
International Personal Finance PLC (IPF) has a Cash Flow-to-Debt Ratio of -0.01x as of December 2025, meaning its operating cash flow of GBX-9.60 Million could theoretically repay 0% of its total liabilities (GBX791.30 Million) in one year. See IPF financial flexibility index to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
International Personal Finance PLC Cash Flow-to-Debt Ratio (2006–2025)
Historical debt coverage capacity for International Personal Finance PLC across 20 annual periods. For the full cash flow conversion analysis, see International Personal Finance PLC cash flow conversion.
Annual Cash Flow-to-Debt Ratio for International Personal Finance PLC (2006–2025)
Year-by-year debt coverage analysis for International Personal Finance PLC. Check IPF cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (GBX) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | -0.01x | GBX-4.50 Million | GBX791.30 Million | ▼ -115.5% |
| 2024 | 0.04x | GBX24.80 Million | GBX675.40 Million | ▼ -70.6% |
| 2023 | 0.12x | GBX85.80 Million | GBX687.10 Million | ▲ +10171.7% |
| 2022 | 0.00x | GBX-900.00K | GBX725.90 Million | ▲ +96.8% |
| 2021 | -0.04x | GBX-24.80 Million | GBX632.20 Million | ▼ -109.0% |
| 2020 | 0.43x | GBX283.60 Million | GBX653.40 Million | ▲ +499.2% |
| 2019 | 0.07x | GBX64.20 Million | GBX886.30 Million | ▲ +7.0% |
| 2018 | 0.07x | GBX60.20 Million | GBX889.50 Million | ▲ +833.8% |
| 2017 | -0.01x | GBX-7.80 Million | GBX845.70 Million | ▼ -133.2% |
| 2016 | 0.03x | GBX21.80 Million | GBX784.40 Million | ▼ -13.8% |
| 2015 | 0.03x | GBX22.40 Million | GBX694.90 Million | ▼ -42.8% |
| 2014 | 0.06x | GBX33.90 Million | GBX601.20 Million | ▲ +2414.0% |
| 2013 | 0.00x | GBX-1.30 Million | GBX533.50 Million | ▼ -103.4% |
| 2012 | 0.07x | GBX29.20 Million | GBX404.70 Million | ▲ +120.7% |
| 2011 | 0.03x | GBX11.90 Million | GBX364.00 Million | ▼ -67.0% |
| 2010 | 0.10x | GBX39.00 Million | GBX393.70 Million | ▼ -39.5% |
| 2009 | 0.16x | GBX67.30 Million | GBX410.70 Million | ▲ +460.4% |
| 2008 | 0.03x | GBX14.80 Million | GBX506.10 Million | ▲ +278.4% |
| 2007 | -0.02x | GBX-7.00 Million | GBX427.10 Million | ▼ -131.8% |
| 2006 | 0.05x | GBX22.60 Million | GBX438.90 Million | — |